] [ garth ] why settle for less? great businesses deserve great rewards! awesome!!! [ male announcer ] the spark business card from capital one. choose unlimited rewards with 2% cash back or double miles on every purchase, every day! what's in your wallet? >> charge it up and pay up. starting tomorrow, retailers no longer having to pay the processing fees to credit card companies. part after class action lawsuit rolling. so, who is going to cover the cost? how about you. it could add another 4% to every purchase that you make with plastic. this is a nightmare. >> more than a nightmare. let me tell you people love their credit cards, understandable why. a way for you to build equity, to make banks know who you are, build your credit score, but at the end of the day may cost you more when you take credit cards out in stores all over. >> and stores can make up their minds? >> yes, they're doing that right now. >> whether to pass it on. >> we're calling them, we're calling them this week and we're hearing that target is not going to charge this fee and finding out more a